Over the past year Stellar did better: ₹10,000 became ₹5,828 in XLM versus ₹5,174 in XRP. Stellar swings about 1.2× as much on a typical day, and they usually move together (correlation 0.71).
XR XRP | XL XLM | |
|---|---|---|
| Price | ₹143.01 | ₹20.80 |
| Rank | #5 | #20 |
| Market cap | ₹8.98T | ₹723.67B |
| 24h volume | ₹367.71B | ₹50.27B |
| Circulating supply | 62.88B | 34.97B |
| Max supply | 100.00B | No cap |
| Below all-time high | -59% | -75% |
| 24h | 1.49% | 1.26% |
| 7 days | 0.48% | 3.32% |
| ₹10,000 invested | XRP | XLM |
|---|---|---|
| 1 month ago | ₹10,956 9.56% | ₹12,411 24.11% |
| 3 months ago | ₹14,327 43.27% | ₹11,453 14.53% |
| 6 months ago | ₹11,119 11.19% | ₹12,953 29.53% |
| 1 year ago | ₹5,174 48.26% | ₹5,828 41.72% |
| 2 years ago | ₹23,238 132.38% | ₹21,308 113.08% |
| ₹1,000/month SIP, 12 months | ₹11,702 | ₹12,836 |
| Typical daily move | ±1.8% | ±2.1% |
| Deepest fall (1y) | -67% | -65% |
| Worst day (1y) | -19.87% | -15.89% |
Green marks the better figure in each row: more money, smaller swings or a shallower fall.
Over the last 12 months XRP returned -48.26% and XLM -41.72%. Over just the last month the picture is the same: XRP +9.56%, XLM +24.11%. Short periods can tell a very different story from long ones, which is why picking a coin from last month's chart rarely works.
Stellar moves about ±2.1% on a typical day against ±1.8% for XRP. In the past year XRP fell as much as 67% from a peak and XLM 65%. Bigger swings mean bigger possible gains and bigger possible losses, size your position so a fall like that wouldn't force you to sell.
The correlation of their daily moves over the past year is 0.71 (1 = always together, 0 = unrelated): they usually move together. Owning both gives you less diversification than two separate coins might suggest, when one falls, the other usually does too.
XRP is the bigger network, with a market cap about 12× that of Stellar. A lower price per coin doesn't make a coin “cheaper”: what matters is market cap, and how many new coins will still be created (XRP: capped at 100.00B; XLM: no fixed cap).
Both trade on FIU-registered exchanges. Profit on either is taxed at 30% plus 4% cess, 1% TDS is deducted when you sell, and a loss on one can't be set off against a gain on the other. Guides: how to buy XRP · how to buy Stellar · best crypto apps in India.
Stellar. ₹10,000 invested a year ago would be worth ₹5,828 in XLM today, against ₹5,174 in XRP (-41.72% vs -48.26%). Past returns do not predict future ones.
By day-to-day swings, Stellar: it moves about ±2.1% on a typical day against ±1.8% for XRP, and its deepest fall in the past year was 65% versus 67%.
XRP's market cap is about ₹8.98T, roughly 12× Stellar's ₹723.67B. A larger market cap usually means more liquidity, not necessarily higher returns.
We don't give buy or sell advice. The data shows how each has behaved, not what happens next. Many investors hold more than one coin rather than choosing; with a correlation of 0.71, they usually move together, so holding both spreads less risk than it might seem.
